---
title: "United Community Banks, Inc. (UCB.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/UCB.US.md"
symbol: "UCB.US"
name: "United Community Banks, Inc."
industry: "Regional Banks"
datetime: "2026-05-19T21:28:01.972Z"
locales:
  - [en](https://longbridge.com/en/quote/UCB.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/UCB.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/UCB.US.md)
---

# United Community Banks, Inc. (UCB.US)

## Company Overview

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.ucbi.com](https://www.ucbi.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:12.000Z

**Overall: C (0.42)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 146 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 15.44% |  |
| Net Profit YoY | 31.24% |  |
| P/B Ratio | 1.07 |  |
| Dividend Ratio | 3.04% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 3899305729.98 |  |
| Revenue | 1047745000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 9.41% | B |
| Profit Margin | 32.54% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 15.44% | B |
| Net Profit YoY | 31.24% | B |
| Total Assets YoY | 1.09% | C |
| Net Assets YoY | 4.39% | C |
| Cash Flow Margin | 106.67% | C |
| OCF YoY | 15.44% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - United Community Banks, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "15.44%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "31.24%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.07",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "3.04%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "3899305729.98",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "1047745000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "9.41%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "32.54%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "15.44%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "31.24%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "1.09%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "4.39%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "106.67%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "15.44%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 11.73 | 131/329 | 14.38 | 13.10 | 12.02 |
| PB | 1.07 | 117/329 | 1.12 | 1.08 | 1.02 |
| PS (TTM) | 3.72 | 174/329 | 4.15 | 3.97 | 3.75 |
| Dividend Yield | 3.04% | 98/329 | 3.23% | 3.07% | 2.94% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-12T04:00:00.000Z

Total Analysts: **7**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 2 | 29% |
| Overweight | 1 | 14% |
| Hold | 4 | 57% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 32.47 |
| Highest Target | 40.00 |
| Lowest Target | 36.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/UCB.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/UCB.US/norm.md)
- [Related News](https://longbridge.com/en/quote/UCB.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/UCB.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**